1. What are the loans for small and medium-sized enterprises?

The loans for medium-sized enterprises include: operating property mortgage loans, unit time deposit certificates, working capital loans, fixed asset loans, syndicated loans, Real estate development loans, domestic factoring for SMEs, movable assets for SMEs.

Small business loans include: real estate mortgage small business loans, guarantee company guaranteed small business loans, transportation ship mortgage small business loans, fishing boat mortgage small business loans, forest rights mortgage small business loans, small hydropower mortgage small business loans Loans, guaranteed insurance small business loans, small business credit enhancement, e-commerce loans small business loans, portfolio guaranteed small business loans, small business mutual loans, small business operating vehicle mortgage loans, guarantee loans, quick loans, rollover loans , small business buyout relay loans, interbank loan guarantees, small business loans pledged by bank acceptance bills, small business loans guaranteed by full margin, small business loans pledged by time deposit certificates, small guaranteed loans for labor-intensive small businesses, export tax rebates Escrow account pledged small business loans, small business domestic factoring, legal person real estate mortgage loans, legal person guaranteed small business loans, small business entrusted loans.

In summary, small and medium-sized enterprise loans are operating loans for small and medium-sized enterprise legal persons. They are mainly used to meet the normal capital needs of enterprises in the production and operation process. They are divided into working capital loans and fixed asset loans.

2. What are the channels for small and medium-sized enterprise loans?

1. Upstream and downstream channels: Small businesses can look for loan opportunities from upstream and downstream of the industrial chain. If they are a dealer of a well-known brand of cars, the company can borrow from the credit and guarantee of the upstream manufacturers. If As a material supplier for a leading company, you can also use the order to go to the bank to process the order pledge.

2. Policies: Now the country is vigorously supporting small and medium-sized enterprises and has successively launched many preferential policies. The Small Business Bureau and the Industrial and Commercial Bureau usually have relatively complete bank credit information. Some departments will introduce companies to join a certain bank-securities joint loan project, and some will set up guarantee agencies to provide guarantees for small business loans.

3. Financial institutions: You can obtain loan information from various commercial institutions, such as development zone management committees, chambers of commerce and industry associations in development parks or science and technology parks. Some commercial institutions will also Establish joint loan projects with banks, and commercial institutions provide guarantees for small business loans under them.

4. Local channels: If the company is a member of a county industrial cluster or a local advantageous and characteristic industry, the company can also apply for joint guarantee loans and other loan types based on the advantages of related companies.

Extended information:

What are the ways to obtain loans for small and medium-sized enterprises?

1. Comprehensive credit

That is, to some enterprises with good operating conditions and reliable credit, a certain amount of credit line is granted for a certain period of time, and the enterprise can recycle it within the validity period and the limit range. . For a comprehensive credit limit, the enterprise shall declare relevant materials in one go and the bank shall approve it in one go. Enterprises can use the funds in installments according to their own operating conditions and borrow and repay them at any time. It is very convenient for enterprises to borrow money and it also saves loan costs. Banks provide loans in this way, generally to enterprises that have industrial and commercial registration, passed annual inspections, have good management, reliable reputation, and have a long-term cooperative relationship with banks.

2. Credit guarantee loans

Among the 31 provinces and cities across the country, more than 100 cities have established credit guarantee institutions for small and medium-sized enterprises. Most of these institutions implement membership management and are public service, industry self-disciplined, and non-profit organizations. The source of the guarantee fund is generally composed of local government financial allocations, member funds voluntarily paid by members, funds raised from the community, and funds from commercial banks. When member companies borrow money from banks, they can be guaranteed by small and medium-sized enterprise guarantee institutions. In addition, small and medium-sized enterprises can also seek guarantee services from guarantee companies that specialize in intermediary services. When an enterprise cannot provide guarantees acceptable to banks, such as mortgages, pledges or third-party credit guarantors, guarantee companies can solve these problems.

Because guarantee companies have more flexible collateral requirements than banks. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures. Sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

3. Project Development Loans

If some high-tech small and medium-sized enterprises have scientific and technological achievement transformation projects of great value and the initial investment amount is relatively large and the company's own capital cannot bear it, they can apply to Bank application for project development loan. Commercial banks will provide active credit support to small and medium-sized enterprises that have high-tech products or patented projects with mature technologies and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relationships with universities and scientific research institutions or have their own research departments, banks can also provide project development loans in addition to working capital loans.

4. Natural person guaranteed loans

Natural person guarantees can take the form of mortgage, rights pledge, or mortgage plus guarantee. Properties that can be used as mortgage include personal properties, land use rights, transportation vehicles, etc. Personal property that can be pledged includes savings certificates, certificated treasury bonds and registered financial bonds. Mortgage plus guarantee means that on the basis of property mortgage, the mortgagor's joint liability guarantee is added. If the borrower fails to repay the entire loan principal and interest on time or other defaults occur, the bank will require the guarantor to perform its guarantee obligations.

5. Personal entrusted loans

Commercial banks such as China Construction Bank, Minsheng Bank, and CITIC Industrial Bank have successively launched a new type of loan business - personal entrusted loans. That is, a loan is entrusted by an individual to provide funds, and a commercial bank issues, supervises, uses and assists in the recovery of the loan based on the loan object, purpose, amount, term, interest rate, etc. determined by the client. The basic procedure for handling personal entrusted loans is:

The entruster submits a loan application to the bank.

The bank will select and match according to the conditions and requirements of both parties, and recommend them to the entrusting party and the borrower respectively.

The client and the borrower meet directly to negotiate and make decisions on specific matters and details such as loan amount, interest rate, loan term, repayment method, etc.

After the borrower and the lender have negotiated the required conditions, they go to the bank together and sign an entrustment agreement with the bank respectively.

The bank investigates the borrower's credit status and repayment ability and issues an investigation report. Then the borrower and the lender sign a loan contract and issue the loan after approval by the bank.

6. Bill discount loan

Bill discount loan means that the bill holder transfers the commercial bill to the bank and obtains funds after deducting the discount interest. In our country, commercial bills mainly refer to bank acceptance bills and commercial acceptance bills. One of the benefits of this loan method is that banks do not lend based on the company's asset size, but based on market conditions (sales contracts). From the time an enterprise receives a bill to the date when the bill matures for redemption, it often takes anywhere from a few dozen days to as many as 300 days. During this period, the funds are idle. If an enterprise can make full use of bill discount loans, the procedures are far simpler than applying for a loan, and the loan cost is very low. For bill discounting, you only need to bring the corresponding bills to the bank to go through the relevant procedures. It can usually be completed within 3 business days. For enterprises, this is "using tomorrow's money to make money the day after tomorrow." This kind of loan method It is worthy of extensive and active use by small and medium-sized enterprises.

7. Pawn loan

Pawn is a loan method that uses physical objects as collateral and obtains temporary loans in the form of transfer of physical property ownership. Compared with bank loans, pawn loans have high costs and small loan sizes, but pawns also have advantages that bank loans cannot compare with. First of all, compared with banks’ almost demanding credit requirements for borrowers, pawn shops have almost zero credit requirements for customers. Pawn shops only focus on whether the pawned items are genuine. Moreover, generally commercial banks only mortgage real estate, while pawn shops can pledge both movable and real estate. In fact, in addition to pawn shops, microfinance service institutions, guarantee companies, companies and other institutions are carrying out vehicle mortgage loan business.

8. Intellectual property rights

Intellectual property rights refer to applying for small and medium-sized enterprise financing from banks after evaluating the property rights in legally owned patent rights, trademark rights, and copyrights. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide this SME financing facility to some small and medium-sized enterprises, and the guarantee is generally required by the legal representative of the enterprise. Despite this, outstanding small and medium-sized enterprises with independent intellectual property rights can still give it a try.

3. Can I get a loan to open an express delivery company?

1 Commercial loan (small and medium-sized enterprise loan) loan amount (500,000-2 million) monthly interest rate 1.5, loan area (nationwide), term (less than five years), a copy of the company's business license is required, Tax registration certificate, organization code certificate, legal representative ID card, and fixed assets mortgage. The company can give the customer a positive answer within one day whether to approve the payment, and the fastest possible payment can be made within two days. 2 personal loans (personal credit loans), loan amount (20,000-500,000) monthly interest rate 2.5, loan area (nationwide), term (less than five years), valid documents (such as ID card, household register), family Detailed address, home landline phone number, personal income certificate, large loan must provide personal real estate certificate or car driving license, and strong evidence of loan repayment ability for review. The company can give the customer a positive answer within 12 hours whether to approve the loan. The payment can be made within 24 hours at the fastest

IV. Business loans for small and medium-sized enterprises generally do not exceed the sales revenue of the previous year

Conditions for business loans for small and medium-sized enterprises: 1. Comply with the national industry and industry policies , is not a small enterprise with high pollution and high energy consumption; the bank has a good reputation, no bad credit department has approved and registered it, and has a business license that has passed the annual inspection; holds a loan card issued by the People's Bank of China and subject to normal annual inspection; business management system and financial Manage the place, operate legally, and have marketable and profitable products; 5. Have the ability to perform the contract and repay debts, have a good willingness to repay, have no bad credit records, and have credit asset risks classified as normal or of concern due to non-financial factors. The controller has more than 3 years of working experience and is registered; 7. The business operation situation is stable, the establishment period is in principle more than 2 years (inclusive), there are at least one or more fiscal year financial reports, and the sales revenue and gross profit have increased for 2 consecutive years. is a positive value; 8. Comply with the establishment of industry credit policies related to small business business and relevant bank regulations; 10. Open a basic settlement account or general settlement account at the applicant bank.